Wells Fargo 2015 Annual Report Download - page 181
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Table 6.24 provides FICO scores for consumer PCI loans.
Table 6.24: Consumer PCI Loans by FICO
December 31, 2015 December 31, 2014
Real estate Real estate Real estate Real estate
(in millions)
1-4 family
first
mortgage
1-4 family
junior lien
mortgage Total
1-4 family
first
mortgage
1-4 family
junior lien
mortgage Total
By FICO:
< 600 $ 5,737 52 5,789 7,708 75 7,783
600-639 4,754 38 4,792 5,416 53 5,469
640-679 6,208 48 6,256 6,718 69 6,787
680-719 4,283 43 4,326 4,008 39 4,047
720-759 1,914 24 1,938 1,728 13 1,741
760-799 910 13 923 875 6 881
800+ 241 3 244 220 1 221
No FICO available 88 8 96 97 10 107
Total consumer PCI loans (adjusted unpaid
principal balance) $ 24,135 229 24,364 26,770 266 27,036
Total consumer PCI loans (carrying value) $ 19,190 69 19,259 21,712 101 21,813
Table 6.25 shows the distribution of consumer PCI loans by
LTV for real estate 1-4 family first mortgages and by CLTV for
real estate 1-4 family junior lien mortgages.
Table 6.25: Consumer PCI Loans by LTV/CLTV
December 31, 2015 December 31, 2014
Real estate Real estate Real estate Real estate
1-4 family 1-4 family 1-4 family 1-4 family
first junior lien first junior lien
mortgage mortgage mortgage mortgage
(in millions) by LTV by CLTV Total by LTV by CLTV Total
By LTV/CLTV:
0-60% $ 5,437 32 5,469 4,309 34 4,343
60.01-80% 10,036 65 10,101 11,264 71 11,335
80.01-100% 6,299 80 6,379 7,751 92 7,843
100.01-120% (1) 1,779 36 1,815 2,437 44 2,481
> 120% (1) 579 15 594 1,000 24 1,024
No LTV/CLTV available 5 1 6 9 1 10
Total consumer PCI loans (adjusted unpaid
principal balance) $ 24,135 229 24,364 26,770 266 27,036
Total consumer PCI loans (carrying value) $ 19,190 69 19,259 21,712 101 21,813
(1) Reflects total loan balances with LTV/CLTV amounts in excess of 100%. In the event of default, the loss content would generally be limited to only the amount in excess of
100% LTV/CLTV.
Wells Fargo & Company
179